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Compare car finance types

Compare how each route handles ownership, deposits, mileage, final payments and total cost before deciding what may suit you.

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Find the information that fits your situation

Hire Purchase

Fixed monthly payments with a clear route to owning the car after the final payment and any option-to-purchase fee.

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PCP

Personal Contract Purchase

Monthly payments cover part of the vehicle value, followed by choices at the end of the agreement.

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GUAR

Guarantor car finance

An option where another person agrees to support the repayments if the borrower cannot make them.

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£0

No-deposit car finance

Explore agreements that may not need money upfront, subject to lender criteria, status and affordability.

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REFI

Vehicle refinancing

Replace an existing agreement with a new one where doing so is suitable and available.

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PCH

Personal Contract Hire

A fixed-term vehicle rental with mileage and condition terms, without ownership at the end.

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BCH

Business Contract Hire

A vehicle rental route for eligible businesses that want predictable costs without ownership.

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Representative 19.9% APR. We are a credit broker, not a lender, and search a selected panel rather than the whole market. We do not charge you a fee. We may receive variable commission from a provider, which may affect the option we introduce. The vehicle may be used as security. How our service works.